Best Cheap Insurance for a Ford Explorer in Utah

Our editors keep telling us that when writing about car insurance, the words cheap or affordable really shouldn’t be used anywhere in the article. Despite the oxymoron, cheap auto insurance for a Ford Explorer can be hard to find. But don’t let us ruin your dream, because there may be ways you can still get auto insurance that is cheaper than what you are paying now.

Your chances of buying affordable coverage for a Ford Explorer in Utah depends on a complicated formula that considers factors like the mileage of your daily commute, the likelihood of your vehicle being stolen, and if you have any chargeable driving offenses. Utah drivers pay an average rate of $870 per year to buy Ford Explorer insurance, but that cost is an estimation based upon a 40-year-old married female that included full comprehensive and collision coverage and $100 deductibles.

There is a good possibility you are not 40 and maybe not even a female, maybe you are single instead of married, or maybe you just want different deductibles. Not everyone needs the same coverages, so the best way to quote the cheapest coverage for your Ford is to shop your policy around at every renewal.

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The specific model of Explorer tends to have a direct effect on the cost of coverage, so the rate you will pay to insure a Explorer XLT 2WD will be $98 lower than the price to insure the more costly Explorer Limited AWD model, as shown in the table below.

Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Utah minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in specific location information which can change price quotes substantially.

Trying to find low-priced auto insurance is easier said than done, and finding out which company offers the best insurance rates for a Ford Explorer will involve more quotes for comparison. Every car insurance company has their own unique process for filing rates in each state, so let’s begin by examining the lowest cost insurance companies in Utah.

It’s a good idea to be aware that Utah insurance rates are determined by lots of factors that will increase or decrease the cost of coverage. That is why drivers need to perform a complete rate comparison to get the cheapest insurance quotes for a Ford Explorer. Insurance prices are determined by many factors and change substantially, so the cheapest company two years ago may now be quite expensive.

Best Car Insurance Prices for Your Explorer

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Bear River offers some of the best car insurance rates in Utah at around $590 per year. USAA, Auto-Owners, American Family, and Allied are also some of the best Utah car insurance companies.

As the rates illustrate above, if you are a policyholder with American Family and switched to Bear River, you could earn annual savings of upwards of $374. Insureds with Allied might save as much as $408 a year, and GEICO policyholders might cut rates by $444 a year.

Be aware that those policy prices are averages for all types of drivers and the different vehicles they drive and do not take into consideration a specific rate value for a Ford Explorer. So the insurer that fits your situation best may not even be shown in the rate chart shown above. That is why you need to compare rates from multiple companies using your own specific driver information and vehicle.

Discount Utah insurance

Auto insurance companies that offer the best cheap insurance for a Ford Explorer in Utah may also give you premium discounts that can lower rates by 35% or more if you qualify for them. Larger insurance companies and some of the premium reductions they offer are:

• Mercury Insurance may have discounts that include multi-car, professional/association, good student, low natural disaster claims, age of vehicle, type of vehicle, and location of vehicle.
• Farmers Insurance discounts include teen driver, business and professional, alternative fuel, early shopping, electronic funds transfer, and mature driver.
• Farm Bureau has savings for good student, youthful driver, renewal discount, 55 and retired, multi-policy, and driver training.
• State Farm offers discounts for good student, driver’s education, anti-theft, Drive Safe & Save, accident-free, and passive restraint.
• Allstate offers premium reductions for economy car, auto/life discount, passive restraint, premier plus, and new car.
• GEICO offers discounts including seat belt use, anti-theft, five-year accident-free, multi-vehicle, multi-policy, military active duty, and emergency military deployment.

The diagram below illustrates the difference between car insurance rates with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no claims or violations, Utah state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with homeowner, claim-free, multiple policy, passive restraint, vehicle safety, and accident-free discounts applied. In this example, the the average yearly reduction on insurance for a Ford Explorer is 28% or $486.

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Price comparison of only insuring for liability

Finding the best cheap insurance for a Ford Explorer in Utah is important to the majority of people, and one great way to pay less for insurance is to only pay for liability coverage. The chart below shows the comparison of auto insurance rates with liability coverage only compared to full coverage. The premiums are based on a clean driving record, no at-fault accidents, $500 deductibles, single status, and no discounts are taken into consideration.

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If the expense is averaged for all age categories, physical damage coverage costs an additional $1,406 per year more than just buying liability insurance. Many of you may wonder when is the right time to remove full coverage. There is no definitive rule to drop full coverage, but there is a general guideline. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s say your vehicle’s replacement cost is $10,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $9,000 after paying the physical damage deductible. If it’s costing you more than $900 a year to have full coverage, then you may need to consider dropping full coverage.

Geico, State Farm, Allstate, and Progressive: Who is cheapest?

When it comes to buying insurance for an Explorer, some of the largest companies to start with are Geico, State Farm, Allstate, and Progressive. The table below illustrates some of the different features that may be available in Utah.